LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,256
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,161
−HK$1,936/mo
Today · 4.125%
HK$65,097
baseline
▲ 0.50% · 4.625%
HK$69,058
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,194/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,146
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,974
−HK$1,854/mo
Today · 4.125%
HK$71,828
baseline
▲ 0.50% · 4.625%
HK$75,614
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,656/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,507
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,793
−HK$2,323/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,869
+HK$4,753/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,775
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,969
−HK$2,225/mo
Today · 4.125%
HK$86,194
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$4,543/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,388/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,758
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,425
−HK$2,711/mo
Today · 4.125%
HK$91,136
baseline
▲ 0.50% · 4.625%
HK$96,681
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,272/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,405
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,963
−HK$2,596/mo
Today · 4.125%
HK$100,559
baseline
▲ 0.50% · 4.625%
HK$105,860
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,118/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,260
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,690
−HK$3,484/mo
Today · 4.125%
HK$117,174
baseline
▲ 0.50% · 4.625%
HK$124,304
+HK$7,130/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,348/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,663
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,953
−HK$3,337/mo
Today · 4.125%
HK$129,290
baseline
▲ 0.50% · 4.625%
HK$136,105
+HK$6,815/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,580/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,697 · Scale 2, in force from 26 Feb 2026)